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Balance Transfer to Blue Cash for Business Credit Card Blue Cash for Business Credit Card


Blue Cash for Business Credit Card
Intro APR: 0%

 Issuer: American Express
  • Up to a 5% cash rebate
  • 0% introductory APR on purchases during your first 15 months of Cardmembership
  • No Annual Fee
  • Built-in smart chip for internet security
  • No limit to the cash rebate you can earn

Access to the OPEN NetworkSM

OPEN: The Small Business NetworkSM is one place that's all about small business. It gives you the relationships and resources to help you run your business, including:

Financing

Get 2 fee-free Additional Cards, 0% APR for the 1st six months, and pay no annual fee.

Savings
Receive ongoing savings at FedEx®, Kinko's® and Staples®.

Online management
Manage your account with the Small Business Dashboard, track charges with Expense Management Reports, and access Dun & Bradstreet credit services.

Community
Chat, pose questions, get insights from other small business owners, and attract new business.

Advice
Ask an expert a question, use an online tool, and read articles by other business owners.

American Express® Cardmembership Benefits

Insurance protection
Protects you with comprehensive insurance coverage for your purchases and piece of mind when you and your employees travel.

Access to cash
Access to cash at over 500,000 ATMs.

Emergency services
Assists you with emergency card replacement, check-cashing, and hotel check-in.

Customer service
Provides help 24 hours a day, 7 days a week.





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If you are a homeowner that purchased your home with an Option Adjustable Rate Mortgage, you might be feeling the waters rising when it comes to your monthly payments. If you have one of these risky “payment plan” mortgages and have only paid the minimum payment amount, you could be in trouble and don’t even know it. Here are several tips to help you stay afloat with your option ARM and avoid losing your home to foreclosure.

Option Adjustable Rate Mortgages or so called “payment plan” loans are especially troublesome for many homeowners. These loans allow the borrower to choose their payment amount each month from four options, the lowest being a minimum payment amount that does not cover all the interest due that month. The unpaid interest is added on to your loan balance which results in a phenomenon called “negative amortization.” Negative amortization means that your loan is actually growing over time instead of being paid down the way a mortgage is supposed to be paid. When your growing loan balance reaches 125% of what you originally borrowed, the mortgage blows up in your face and the payments skyrocket.

The popularity of these risky loans has soared over the past several years, partly because homeowners don’t understand what they are getting themselves into when borrowing with an option ARM. According to a recent survey of national mortgage lenders over 12% of all mortgages taken out this year are option loans. This is up from .05% of loans in 2003. According to the same survey nearly 80% of homeowners with option ARM loans only make the minimum payment each month; 1 in 5 of these homeowners making the minimum payment will lose their homes at foreclosure.

Refinance Now If You Can

These risky option ARM loans are popular because it’s very easy to qualify for these loans. If you are a homeowner with poor credit refinancing might not be an option; however; if you are able to refinance you should get out of this loan immediately. Choosing a mortgage with a fixed interest rate will give you predictable mortgage payments that you can plan your budget around. You will begin paying down the balance the way a mortgage was intended.

If Refinancing is Not Possible

If refinancing is not an option for you, there are steps you can take to protect your home. The first thing you should do is stop making the minimum payment. Carefully review your loan contract to find out when your mortgage will be re-cast, resulting in a higher payment amount. Option arms come with adjustable interest rates; once the option period ends the mortgage lender will adjust your loan’s interest rate at regular intervals which could raise your payment amount.

If you know trouble is coming with your payments, call your lender before you fall behind. If you don’t know when the lender will re-cast your mortgage or when interest rate adjusts, call and ask. Never wait until you’re behind on the payments to ask for help. Mortgage lenders want to keep their loans out of foreclosure as much as you do and will work with you to keep the loan current. You can learn more about keeping your mortgage afloat by registering for a free mortgage guidebook.


  • Transfer your balance to Blue Cash for Business Credit Card

  • "The only place where success comes before work is in the dictionary." -Proverb-

    There are two types of men in this world. One that falls and one that stands up after he falls. In NLP or Neuro-Linguistic Programming, there is no such things as failure. A failure is simply classified as a feedback and every feedback is a lesson to help you learn and improve. There are many hurdles a trader must overcome to become successful. A winning trader views each hurdle or setback as a step towards success.

    The losing trader on the other hand does not hold this belief. Ed Seykota said it best.

    "A losing trader can do little to transform himself into a winning trader. A losing trader is not going to want to transform himself. That's the kind of thing winning traders do."

    Harsh but yet so true. Success only comes to those who want it badly. Nothing in this world should be done half-way. Losing traders refuse to take responsibility of their actions. They prefer to blame external factors for their mistakes and lossses. In NLP, in order for a feedback to become a lesson one must take full responsibility of his action.

    We All Start Off With A Dream

    I think men in general spend half their life dreaming. Without a dream, there is no thought. Without thoughts, there is no action. However, too many men spend their time talking and thinking. What is required is action.

    Losing traders think similarly. They are so used to thinking and not acting that when the opportunity knocks at their door, they are unable to answer it. Thinking traders usually turn to trading systems; tweaking every indicator they have to find the perfect signal. The problem is they spend too much time jumping from one system to another that they are never able to become good at one methodology.

    Thinking traders need to know the outcome before hand. This conflicts with their ability to trade. They tend to be perfectionists wanting to be right all the time. Trading is not about being right. It is about making money.

    Jumping The Gun

    How many men do you know that act before they think. A form of balance is needed when trading the markets. However, many new traders lack patience and discipline. They get too caught up emotionally in their ideas that they often do things just to regret rushing in at the end.

    These type of traders have a hard time following their trading plans. They may understand what it takes to trade successfully but their lack of discipline and self-understanding prevents them from doing so. They believe that eventually things will turn out alright. They often play on a tilt after a loss and will trade recklessly with their capital.

    Change Is Good

    Many people are too comfortable with their current situation that they dread change. It is common to see couples who are unhappy with each other remain in a relationship because they are too used to being together. Some people associate change with fear. This attitude does not help in trading. Learning is easier than unlearning. When something does not work, one needs to change what he is doing right away. A trader needs to be flexible and hold an open mind.

    Characteristics Of A Losing Trader

    1. Undisciplined

    2. No money management

    3. Unprepared

    4. Over trading

    5. Easily tilted

    6. Does not trade with probabilities

    7. Trades emotionally without controlling: greed, hope, fear, and euphoria

    8. Does not have a trading plan and strategy


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.